Where I live, it doesn't get very cold until the end of October or early November. So I can usually get away with wearing jeans and a short sleeve shirt and be perfectly fine. This is one of my go to outfits for running errands or just relaxing around the house. It's so one of those outfits that looks like you put in a lot of effort, when really you just threw it on last minute.
You could easily modify this if it was really cold outside. Just add a black jacket or even a coral one for a pop of color. Throw on some booties and you're good to go!
Jeans- American Eagle
Sandals- Boutique (Similar)